If you are hiring someone standing outside HD he likely doesn't have those expenses so yes he can charge you less but then you have problems and you wonder why.People who "always" have problems are generally the problem themselves so I respectfully suggest you point the finger at yourself and stop blaming others.When you accept that you are responsible for hiring the wrong person instead of implying in your post that they are out to get you and examine why you make the same problem over and over you will find the contractor that will do the job you want.As to proposals I suggest you try this bring 3 or 4 contractors together with you walk through the house and show them all the project at the same time with written outline of materials to be used. 

Try to schedule your exam on Monday and take the RE Trainers CA Saturday / Sunday Crash course review right before the exam.

I would see this causing frustration for all of the midwest to bear burden of the coastal markets, and likewise coastal markets will be frustrated that their gains are distributed among lower risk (thus implying lower reward) markets ...

That implies you have $1K.

So, while some bank originated mortgage may end up in the hands of a guy off the street, how he deals with me will have implied expectations, he can't just say, well, you're in default and you're out in the cold, I own your note. 

You will have to do some research on that one but you do not want to imply that you are a bank or brokerage for example if you are not.

Sold, which may actually imply the lien certificate may soon be sold as you said:http://treasurer.cuyahogacounty.us/payments/real_p...I will need a legal counsel if at all, I will be moving forward with the deal.Thanks!!!

They are not the same.The implied idea of the article is a little misleading.

Who originates a mortgage matters, the borrower is entitled to somewhat of an implied warranty dealing with an institutional lender that their loan will be treated as required under that institution's regulatory requirements, subsequent holders treat the note under the requirements of that type of note, for example; an FHA loan will be subject to FHA requirements, a HELOC from a state bank will fall under FDIC, a private loan from an individual falls under state law. 

What does that imply?